Investar Holding (ISTR)
NASDAQ:ISTR
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Investar Holding
(NASDAQ:ISTR)
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Rating:58Neutral
Price Target:
$28.00
â–²(0.21% Upside)
Action:ReiteratedDate:03/17/26
The score is driven primarily by decent but uneven financial performance (improving margins and growing equity, but negative revenue growth and weakening operating cash flow). Technicals are a notable drag due to bearish near-term momentum and oversold readings. Valuation provides support with a modest P/E and dividend yield, while the completed acquisition is a positive strategic catalyst but comes with integration and execution considerations.
Positive Factors
Strategic acquisition expands Texas footprint and scale
Closing the Wichita Falls Bancshares deal materially increases Investar’s Texas franchise and balance-sheet scale, adding a sizable deposit and loan base. This provides durable benefits: stronger funding diversity, cross-sell potential and scale economies that support sustainable growth and return on capital.
Negative Factors
Negative revenue growth trend
A contraction in revenue momentum reduces the runway for sustainable loan and fee income expansion and limits operating leverage. If top-line weakness persists, this constrains reinvestment, compresses future EPS growth potential and raises sensitivity to rising funding costs.
Read all positive and negative factors
Positive Factors
Negative Factors
Strategic acquisition expands Texas footprint and scale
Closing the Wichita Falls Bancshares deal materially increases Investar’s Texas franchise and balance-sheet scale, adding a sizable deposit and loan base. This provides durable benefits: stronger funding diversity, cross-sell potential and scale economies that support sustainable growth and return on capital.
Read all positive factors
Investar Holding (ISTR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$368.78M
Dividend Yield1.57%
Average Volume (3M)37.74K
Price to Earnings (P/E)11.5
Beta (1Y)0.91
Revenue Growth-0.34%
EPS Growth27.03%
CountryUS
Employees329
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.58
Shares Outstanding13,750,025
10 Day Avg. Volume35,828
30 Day Avg. Volume37,740
Financial Highlights & Ratios
PEG Ratio1.48
Price to Book (P/B)0.87
Price to Sales (P/S)1.71
P/FCF Ratio15.06
Enterprise Value/Market Cap1.06
Enterprise Value/Revenue2.54
Enterprise Value/Gross Profit4.17
Enterprise Value/Ebitda12.74
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.2
Revenue Forecast (FY)$154.60M
Investar Holding Business Overview & Revenue Model
Company Description
Investar Holding Corporation operates as the bank holding company for Investar Bank that provides a range of commercial banking products to individuals and small to medium-sized businesses in South Louisiana. The company offers various deposit pro...
How the Company Makes Money
Investar Holding generates revenue primarily through interest income from loans and investments, as well as non-interest income from fees and services. The key revenue streams include net interest income, which comes from the interest earned on lo...
Investar Holding Key Performance Indicators (KPIs)
Any
Loan Portfolio By Type
Analyzes the composition of loans by type, providing insights into the company's lending strategy, risk exposure, and potential for interest income growth.
Analyzes the composition of loans by type, providing insights into the company's lending strategy, risk exposure, and potential for interest income growth.
Data provided by:
The Fly
The FlyInvestar Holding Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
66
Positive
Cash Flow
48
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 153.49M | 156.52M | 141.06M | 123.18M | 107.99M |
| Gross Profit | 93.56M | 85.89M | 84.38M | 105.47M | 73.38M |
| EBITDA | 30.60M | 27.50M | 24.21M | 48.78M | 14.90M |
| Net Income | 22.90M | 20.25M | 16.68M | 35.71M | 8.00M |
Balance Sheet | |||||
| Total Assets | 2.83B | 2.72B | 2.82B | 2.75B | 2.51B |
| Cash, Cash Equivalents and Short-Term Investments | 397.22M | 34.12M | 393.93M | 445.23M | 452.05M |
| Total Debt | 152.75M | 101.02M | 85.08M | 439.74M | 135.66M |
| Total Liabilities | 2.53B | 2.48B | 2.59B | 2.54B | 2.27B |
| Stockholders Equity | 301.07M | 241.30M | 226.77M | 215.78M | 242.60M |
Cash Flow | |||||
| Free Cash Flow | 17.45M | 15.42M | 25.18M | 41.69M | 30.16M |
| Operating Cash Flow | 18.83M | 15.93M | 26.25M | 42.75M | 33.48M |
| Investing Cash Flow | -84.52M | 90.06M | -73.49M | -350.99M | 53.40M |
| Financing Cash Flow | 79.27M | -110.08M | 38.99M | 251.46M | -25.21M |
Investar Holding Technical Analysis
Negative
27.94
Price Trends
28.21
Negative
26.94
Negative
24.49
Positive
Market Momentum
-0.40
Negative
40.26
Neutral
43.95
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ISTR, the sentiment is Negative. The current price of 27.94 is above the 20-day moving average (MA) of 27.23, below the 50-day MA of 28.21, and above the 200-day MA of 24.49, indicating a neutral trend. The MACD of -0.40 indicates Negative momentum. The RSI at 40.26 is Neutral, neither overbought nor oversold. The STOCH value of 43.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for ISTR.
Investar Holding Risk Analysis
Investar Holding disclosed 39 risk factors in its most recent earnings report. Investar Holding reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Investar Holding Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $267.63M | 10.36 | 12.74% | 1.99% | 5.50% | -5.19% | |
70 Outperform | $315.58M | 9.26 | 12.03% | 4.21% | -4.66% | -58.94% | |
69 Neutral | $236.26M | 9.91 | 12.61% | 2.38% | 11.72% | 55.87% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $368.78M | 11.48 | 8.30% | 1.57% | -0.34% | 27.03% | |
58 Neutral | $267.89M | 11.43 | 8.92% | 0.87% | 16.68% | 322.32% |
* Financial Sector Average
ISTR
Investar Holding
26.82
9.39
53.89%
FUNC
First United
36.34
7.17
24.56%
NWFL
Norwood Financial
28.98
5.98
26.02%
OVLY
Oak Valley Bancorp [Ca]
31.81
7.41
30.37%
FVCB
FVCBankcorp
14.93
4.50
43.14%
Investar Holding Corporate Events
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
Investar Holding closes Wichita Falls Bancshares acquisition
Positive
Jan 6, 2026
On January 1, 2026, Investar Holding Corporation completed its acquisition of Wichita Falls Bancshares, Inc., parent of First National Bank in Wichita Falls, Texas, under a July 2025 merger agreement in a stock-and-cash transaction valued at about...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.